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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development)
Seleka, Gaone Geoffrey
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Economics, Econometrics & Finance

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Bridging the Financial Divide: Factors That Influence Financial Exclusion amongst The Unbanked Population of Botswana Seleka, Gaone Geoffrey
IJEBD (International Journal of Entrepreneurship and Business Development) Vol 8 No 1 (2025): January 2025
Publisher : LPPM of NAROTAMA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/ijebd.v8i1.3021

Abstract

Purpose: The aim of this research is to determine the primary causes behind the unbanked population's exclusion from Botswana's official financial system. The study aims to address the following research question: What are the main causes of the unbanked population's exclusion from Botswana's formal financial system, and how do these causes affect financial inclusion? Deign/Methodology/Approach: This study used a mixed-methods approach to research, collecting and analysing data using both quantitative and qualitative techniques. Participants in the data collection process were given surveys to accomplish this goal. These surveys collected detailed data regarding people's financial inclusion status in Botswana. The surveys also explored the reasons behind the unbanked population's absence from the official financial system. Findings: The study's findings indicate that the unbanked population's degree of financial inclusion in Botswana is greatly impacted by the factors that keep them out of the country's formal financial system. The results of this study will add to the body of knowledge in business studies and financial technologies. Additionally, Mobile Network Operators (MNOs), commercial banks, government policy makers, and regulators in the financial and insurance sectors can use the study's findings to obtain useful information and guidance.
A Leapfrog To Financial Inclusion: The Role of Mobile Money and Digital Financial Services on Financial Inclusion and Its Implications for Other Developing Economies Banda-Nyirenda, Eluphy; Seleka, Gaone Geoffrey; Mwanza, Charity Chitalu; Phiri, Thomas
IJEBD (International Journal of Entrepreneurship and Business Development) Vol 7 No 4 (2024): July 2024
Publisher : LPPM of NAROTAMA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/ijebd.v7i4.2604

Abstract

Purpose: This study offers a thorough empirical analysis of Botswana's current financial inclusion situation, aiming to measure and evaluate the direct impact of mobile money and digital financial services offered by mobile network operators (MNOs) and commercial banks on the financial behaviour, access to financial services, and overall financial inclusion status of the unbanked population in Botswana. These study objectives are expected to have possible implications for other developing nations or economies. Design/methodology/approach: The study adopted a pragmatic philosophy, combining positivist (qualitative) and interpretivist (qualitative) philosophies, and a mixed-methods approach to explore the experiences of the unbanked population in Gaborone, Botswana. Findings: Mobile money and digital financial services have significantly impacted the financial behaviour of the unbanked population in Botswana, providing an accessible and affordable financial platform. Additionally, there are still areas that require further research and intervention to ensure that these gains are sustainable and inclusive. This study contributes to academic knowledge in business studies and financial technologies, providing practical guidance to MNOs, regulators, banks, and policymakers, and offering marketing insights. Paper type: Research paper.
Co-Authors Banda-Nyirenda, Eluphy Mwanza, Charity Chitalu Phiri, Thomas